Stop-Loss insurance

A strong, effective stop-loss policy can help contain costs for self-insured employers

For companies that self-fund their employees' health and medical expenses, Sun Life Stop-Loss insurance can help mitigate the high cost of catastrophic claims.

We offer a variety of stop-loss insurance products and services that provide financial protection – allowing companies to limit their liability for claims and maintain the budget. You can depend on our excellent sales, underwriting, and claims service. Plus, we deliver opportunities for companies to save money through cost-containment resources that can help lower health care costs even before a stop-loss claim occurs.

A medical plan document review service that provides an analysis of cost-containment, federal law compliance (including the Affordable Care Act), and discretionary authority language.

Group stop-loss insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 07-SL. In New York, group stop-loss insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 07-NYSL REV 7-12. Product offerings may not be available in all states and may vary depending on state laws and regulations.

SunEliteSM is not insurance and carries a separate charge included with the price of your coverage. Services are provided by The Phia Group, LLC; SunLife is not responsible or liable for the services or advice provided by any third party vendor. Sun Life reserves the right to discontinue any service at any time. SunElite is available for new or renewed Stop-Loss policies with effective dates of January 1, 2013, and beyond.

Broker Stop-Loss Learn more callout

Want to learn more?

To learn more, call your Sun Life Stop-Loss Specialist.

2017 Sun Life Stop-Loss Research Report

In Issue 1, find out about the top 10 catastrophic claims conditions, million-dollar+ claimants, and more.